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What should I do if I impersonate someone else to sign the loan? ! ! !
If a loan is borrowed in the name of another person, and the third person authorizes it in advance or ratifies it afterwards, the loan is valid. If the third party does not know about this or refuses to ratify it, the fraudulent user shall bear the responsibility himself. If the circumstances are serious and involve criminal law, it constitutes the crime of contract fraud, and the fraudster shall be investigated for criminal responsibility.

Legal analysis

If someone else pretends to be my signature without my knowledge, I won't ratify it, I won't bear legal responsibility, and the signatory will bear the responsibility; If it is approved, I should bear the responsibility. Signing on behalf of others is a kind of agency behavior. If I don't know, I have no right to represent and I don't bear legal responsibility. However, if I know that someone else signed my name without denying it, or that I ratified it, the signature is binding on me and I should bear legal responsibility. According to relevant laws and regulations, an act without agency right, beyond agency right or after the termination of agency right, only after ratification by the principal, can the principal bear civil liability, and the actor shall bear civil liability for the act without ratification. Knowing that someone else has committed a civil act in my name without denying it is regarded as consent. In any of the following circumstances, the contract is invalid: one party concluded the contract by fraud or coercion, which harmed the interests of the state; Malicious collusion, harming the interests of the state, the collective or the third party; Cover up illegal purposes in a legal form; Harm the public interest; Violation of mandatory provisions of laws and administrative regulations.

legal ground

Article 171 of the General Principles of the Civil Law of People's Republic of China (PRC) * * * If an actor acts as an agent after he has no power of attorney, exceeds his power of attorney or terminates his power of attorney, it will not be effective to the principal without ratification by the principal. The counterpart may urge the principal to ratify it within 30 days from the date of receiving the notice. If the trustor fails to declare it, it shall be deemed as refusal to ratify it. Before the act committed by the actor is ratified, the bona fide counterpart has the right to revoke it. Revocation shall be made by notice. If the act committed by the actor is not ratified, the bona fide counterpart has the right to demand the actor to perform the debt or demand the actor to compensate for the damage he has suffered. However, the scope of compensation shall not exceed the benefits that the counterpart can obtain when the principal ratifies. If the counterpart knows or should know that the actor has no right to act as an agent, the counterpart and the actor shall bear the responsibility according to their respective faults.